United States DTI CalculatorPart of Cindrus (opens in a new tab)

Debt-to-income calculator

Monthly figures only. Leave out anything that does not apply.

All fields are blank to begin with. Only the amounts you enter are used.

Monthly income

Pay before taxes and deductions, plus other regular income you can document.

Optional. Only if someone will be on the loan with you.

Monthly payments

What you pay now or expect to pay: the loan payment plus tax, insurance, any PMI and any HOA dues.

The minimum payment on each statement, not the balance.

If a loan shows no payment because it is deferred, a lender may still count an amount for it. Ask which rule they use and enter that figure.

Optional. Any ratio you want to compare with, such as one from a loan program you are looking at.

Your debt-to-income ratios

For illustrative purposes only. Not a loan offer or commitment to lend. Cindrus is not a lender, mortgage broker or loan originator, we pass no information to lenders, and no lender pays us.

This calculation is not a loan offer, a personal recommendation or an assessment of whether you would be approved for a loan.

Basis: the monthly income and payments you entered. No credit report and no lender criteria are used. The rate and costs you can actually get may differ.

Create a free Cindrus account (opens in a new tab) Put your loans and other debts in one overview, together with what you own. No credit check is run and no card is asked for.
How the numbers are read:
  • Income is gross, before taxes, as most lenders measure it.
  • Debts are monthly payments, not balances.
  • Living costs such as utilities, phone and groceries are not debts here.
  • A lender may count some income or debts in a different way than you did.

What front-end and back-end DTI mean

Debt-to-income compares what you pay each month on debts with what you earn before taxes. Front-end DTI only counts the housing payment. Back-end DTI adds car loans, student loans, card minimums, support payments and other loans.

Regulation Z requires a mortgage lender to consider either your monthly debt-to-income ratio or your residual income when it judges your ability to repay. The regulation itself does not prescribe a ratio.

The CFPB's General QM rule used to cap DTI at a fixed level and now uses price-based thresholds instead. Loan programs set their own limits, so the calculator lets you test any limit rather than showing one as a rule.

Sources

  1. 12 CFR 1026.43 (Regulation Z) with official commentary (opens in a new tab)
  2. CFPB: «What is a debt-to-income ratio?» (opens in a new tab)
  3. CFPB: «Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): General QM Loan Definition» (final rule) (opens in a new tab)

What the ability-to-repay rule requires →